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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,241 | $70,486-7.4% | $100,535-35.1% | $79,856-18.3% |
| Participation rate | 45.7% | 73.6%-28.0pp | 79.4%-33.8pp | 69.6%-24.0pp |
| Annual return | 21.68% | 21.90%-0.2pp | 30.90%-9.2pp | 31.71%-10.0pp |
| Employer contribution / active EE | $348 | $2,165-83.9% | $3,419-89.8% | $2,471-85.9% |
| Participant deferral / active EE | $3,375 | $5,182-34.9% | $6,271-46.2% | $3,741-9.8% |
| Admin fee / account holder | $11,555 | $4,480+157.9% | $8,085+42.9% | $5,306+117.8% |